Quick answer
Full coverage car insurance in Scottsdale averages about $1,673 a year, slightly above the Arizona state average of $1,574. Higher-value vehicles and busy Loop 101 commuter corridors nudge Scottsdale rates up, so comparing quotes from several top-rated insurers matters more here. Arizona's 25/50/15 minimum liability applies, but most Scottsdale drivers benefit from full coverage.
Are you looking for car insurance in Scottsdale, AZ? If so, you’re not alone. Car insurance is important for everyone, but it’s especially important in a city like Scottsdale.
The cost of accidents and liability claims can be high, and although you might think you’re a careful driver, road mishaps are bound to happen at some point in your driving lifetime. Car accidents and liability claims are costly, so it’s best to take a proactive approach and ensure that you and your vehicle are protected.
The first thing that many car insurance buyers look for is a policy provider that offers good rates and discounts. Fortunately, there are plenty of companies to choose from in Scottsdale. In this post, we’ll compare prices and ratings in some of the biggest insurance companies in the area. We’ll also give you some tips on how to get a great deal on your Scottsdale car insurance policy, whether you have a good driving record, a bad traffic history, or are a new driver.
Basic Inclusions of a Full Coverage Car Insurance Policy
What does having a full coverage auto insurance policy mean? Definitions vary but they basically include bodily injury and property damage liability.
Some states require uninsured/underinsured motorists and medical expenses coverage but Arizona does not. Ask for these optional add-ons from your insurance provider if you would like them to be included in your policy. Other optional coverages include rental reimbursement, collision, and comprehensive coverage.
Best Scottsdale Auto Insurance By Price & Rating
How much is auto insurance in Scottsdale, AZ? Full coverage car insurance costs an average of $1,673 in Scottsdale. The average price in Arizona state is $1,574.
Note that insurance companies have their own rating algorithms to determine how much you’ll need to pay for your car policy, depending on factors that include your age, driving history, and car model. Premiums vary depending on the provider and if their “full coverage” has inclusions that go beyond the basics.
Here are a few car insurance providers in Scottsdale and their average monthly premium rates.
| Insurance Company | Average Monthly Premium |
|---|---|
| Progressive | $168 |
| Liberty Mutual | $174 |
| Travelers | $201 |
| Dairyland | $370 |
*These rate comparisons are based on insurance for a Ford F-150 in the most populated zip code of Scottsdale for a 35-year-old employed male.
Scottsdale, AZ Car Accident Statistics
Latest available motor vehicle crash statistics in Scottsdale show 2,693 crashes on record as of 2020, 19 of which were fatal, 1,010 resulted in injury, and 1,934 involved property damage only. To compare, the highest numbers were logged in Phoenix, which had a total of 35,274 crashes, while the lowest numbers were recorded in Apache Junction at just 19.
Driving Conditions in Scottsdale
The weather in Scottsdale is mild all year round, but the roads can be treacherous. In the summer, temperatures can reach up to 120 degrees Fahrenheit, and in the winter they can dip to below freezing. The rain and flash flooding in some areas can also make driving conditions difficult.
Tips for Finding the Best Car Insurance in Scottsdale, AZ
Get started on your search for the ideal Scottsdale auto insurance plan with these tips in mind:
- Compare car insurance rates before you buy a policy. You can use an online car insurance quote resource like Insurancy to compare rates from top providers in your area.
- Ask friends and family for recommendations on car insurance companies.
- If you have a good driving record, ask your car insurance company for a discount.
- If you have a bad driving record, shop around for providers that specialize in high-risk drivers.
- Consider adding optional coverage to your policy, like collision and comprehensive insurance.
- Get car insurance quotes from multiple providers to find the best deal.
The best car insurance for Scottsdale drivers isn’t always the cheapest. When you’re looking for auto insurance, it’s important to compare rates and find a policy that fits your needs.
Compare car insurance rates from top providers in your area on the Insurancy website. Find your best fit today.
